Pay a fixed rate of interest with no hidden surprises

The interest rate on your car loan never changes. That means you can
be absolutely certain your monthly repayments remain the same for the
entire duration of the loan. When you take out a car loan, you’re
given a repayment schedule you can use at any time to check how much
you have already repaid.

Work out and apply for your loan online

Our KBC Brussels Touch and KBC Brussels Mobile let you easily
work out and apply for your loan. They give you a personal rate right
away, just like we do at your branch. We make it easy! Don’t take our
word for it though. Ask the more than 65% of our loan applicants
who’ve requested their loan online. Have questions or need advice? Our
KBC Brussels Live is there for you.

Our Touch and Mobile apps also show you full details of your loan.
See quickly:

How much you have left to pay off

When your next
repayment is due

How long your loan still has to run and
what you pay each month

You don’t need to have a current account with us to apply for a car
loan. Simply work out your car loan with us on
our website.

Repay the same amount every month

When you know how much you want to borrow, you can easily calculate
your monthly repayments using our car loan simulator. The amount you
repay each month depends on how much you want to borrow and
the period over which you wish to repay the loan.

Go
online and calculate how much a car loan will cost you. In the
calculator, fill in the invoice amount and the amount you want to
borrow. The application will then quickly suggest a monthly instalment
amount. You can easily change the amount or repayment period and the
application will immediately show you the new instalment schedule.

Choose the right term

The best term for you will depend on how much you want to borrow and
how much you can spare each month. The longer the term, the less
you'll have to repay each month and the easier it will be to pay off
your loan. The shorter the term of your loan, the more you'll have to
repay each month but you'll pay it off sooner and consequently pay
less interest. At KBC Brussels, the choice is in your hands.

There are a few legal limits that apply to the term of a loan: these
are automatically built into the car loan calculator.

Amount borrowed

Maximum term

up to 2,500 euros

24 months

up to 3,700 euros

30 months

up to 5,600 euros

36 months

up to 7,500 euros

42 months

up to 10,000 euros

48 months

up to 15,000 euros

60 months

up to 50,000 euros

72 months

Since a new car quickly depreciates in value, our advice is not to
take too long to repay the car loan. As a novice driver, it's often
the case that you haven't taken out any other loans, but you are more
at risk statistically of incurring claims or even a total loss on the
vehicle. It's worth remembering that, while you've lost your car in
this scenario, you will have to continue paying off your loan. You can
take out KBC Brussels Car Loan Comprehensive Insurance with us to limit
that risk.

Tax return

When substantiating your professional expenses, you can include the
interest paid on your car loan for tax purposes.

When do you get your loan?

You are paid your car loan:

When your car is delivered

Once we have received the
relevant signed documents and proof of investment (order form or
invoice) from you

To the account from which your monthly
repayments will be made

When do you start repaying your loan?

You start making your car loan repayments one month after the loan is
paid to you. All subsequent monthly repayments will take place on the
same day of the month as the initial repayment.

Example

So,
if for example your loan is made available on 25 March, then your loan
repayments start on 25 April, with remaining repayments scheduled for
the 25th of every month.

Account for repaying the loan

If you already have a current account with us, you can repay your
loan from that account provided you're the sole or joint holder of the
account. The account for repaying the loan must be the same as the one
used for disbursing it.

Car loan details (instalment loan)

Attention, borrowing money also costs money

* Representative example: for aninstalment loanof 15,000 euros to be repaid over60 monthsat
a fixed annual debit rate andannual percentage rate of charge of
0.80%, you pay 60 instalments
of255.10 eurosper month or 15,305.75 euros in total. Rate applies on 08-01-2019 for
terms of up to 60 months, for an instalment
loan used to finance a new car, motor home or motorcycle, or a
second-hand car not more than three years old. The vehicle must be
bought by a private individual.

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